I love getting a big refund. Isn’t that the best outcome?

Only if you like the idea of making an interest free loan to the government.  The best outcome is to neither overpay nor underpay taxes.  Obviously the bottom line is a moving target, but we want to come as close as possible.  If you are one for whom tax refunds constitute an enforced savings plan, we can adjust.  But my preference is to put a different and more beneficial savings plan in force – one that keeps your money working for you, either in savings or in managing debt.